LON:0H7D Income Statement

Financials in millions EUR. Fiscal year is January - December.

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	44,458	49,358	44,074	24,299	16,599
Interest Paid on Deposits	28,767	36,292	30,472	10,649	5,444
Net Interest Income	15,691	13,066	13,602	13,650	11,155
Net Interest Income Growth (YoY)	20.09%	-3.94%	-0.35%	22.37%	-3.22%
Income From Trading Activities	5,160	5,987	4,947	2,999	3,045
Gain (Loss) on Sale of Assets	-	32	41	404	10
Gain (Loss) on Sale of Investments	58	37	-96	-218	238
Gain (Loss) on Sale of Equity Investments	-6	12	-38	152	98
Other Non-Interest Income	11,191	10,959	10,425	10,224	10,865
Total Non-Interest Income	16,403	17,027	15,279	13,561	14,256
Non-Interest Income Growth (YoY)	-3.67%	11.44%	12.67%	-4.88%	14.03%
Revenues Before Loan Losses	32,094	30,093	28,881	27,211	25,411
Provision for Loan Losses	1,707	1,830	1,505	1,226	515
Revenue	30,387	28,263	27,376	25,985	24,896
Revenue Growth (YoY)	7.51%	3.24%	5.35%	4.37%	11.96%
Salaries and Employee Benefits	11,813	11,241	10,652	10,278	9,928
Selling, General & Administrative	8,860	9,698	10,280	9,749	10,845
Other Non-Interest Expense	-2	1	1	-	2
Total Non-Interest Expense	20,671	20,940	20,933	20,027	20,775
EBT Excluding Unusual Items	9,716	7,323	6,443	5,958	4,121
Asset Writedown	-	-	-	-	-5
Legal Settlements	-	-2,035	-311	-413	-466
Pretax Income	9,731	5,291	5,679	5,595	3,389
Income Tax Expense	2,592	1,786	787	-64	880
Earnings From Continuing Operations	7,139	3,505	4,892	5,659	2,509
Minority Interest in Earnings	-208	-139	-120	-134	-144
Net Income	6,931	3,366	4,772	5,525	2,365
Preferred Dividends & Other Adjustments	761	574	498	479	363
Net Income to Common	6,170	2,792	4,274	5,046	2,002
Net Income Growth	105.91%	-29.46%	-13.63%	133.62%	377.78%
Basic Shares Outstanding	1,955	1,994	2,064	2,085	2,097
Diluted Shares Outstanding	1,998	2,039	2,104	2,126	2,143
Shares Change (YoY)	-2.02%	-3.08%	-1.02%	-0.82%	-1.24%
EPS (Basic)	3.16	1.40	2.07	2.42	0.95
EPS (Diluted)	3.09	1.37	2.03	2.37	0.93
EPS Growth	125.55%	-32.51%	-14.35%	154.84%	1242.90%
Dividend Per Share	-	0.680	0.450	0.300	0.200
Dividend Growth	-	51.11%	50.00%	50.00%	-
Effective Tax Rate	26.64%	33.76%	13.86%	-	25.97%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.